1, the housing built is limited to large and medium-sized cities or towns where county and city governments are located, or key towns recognized by provincial governments;

2. The land occupied by the building is acquired by means of transfer, and the borrower has paid the land transfer fee in full, and independently obtained the state-owned land use certificate in the name of the borrower;

3, the land transfer time is not more than 2 years;

4. Self-built houses have obtained property certificates.